Expertise.com

2024

Last updated:

Best Homeowners Insurance Agencies in Lees Summit

Our Recommended Top 7

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Lees Summit Homeowners Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

58Reviewed

37Curated

7Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

905 F Southeast Langsford Road, Lee's Summit, MO 64063

Expertise.com Rating

Review Sources

Google
4.8 (37)
Yelp
2.5 (3)

Why choose this provider?

The Insurance Groupe is a full-service, independent agency based in Lee's Summit that offers homeowners, auto, and liability insurance policies. It gives personalized services to clients, helping them customize home insurance policies with varying coverage options from top companies. The agents explain the home insurance coverage and how clients can obtain maximum financial protection against disasters. The Insurance Groupe also offers business and life insurance policies. It is affiliated with the Independent Insurance Agents & Brokers of America.

  • Multiple Policy Types

4045 Northeast Lakewood Way, Lee's Summit, MO 64064

Expertise.com Rating

Review Sources

Google
5.0 (29)
Facebook
5.0 (3)

Why choose this provider?

Epic Insurance, LLC is a full-service insurance agency in Lee's Summit that assists homeowners with purchasing and maintaining policies. The company provides individually tailored homeowners insurance policies to meet the needs of each client, with areas of coverage that include natural disasters, fires, theft, and damage due to tornadoes and hail storms. Epic Insurance's agents provide guidance on matters such as coverage gaps and potential duplications, and the business offers a virtual tool on its website for customers to obtain estimated quotes.

  • Multiple Policy Types

900 Southwest Oldham Parkway, Lee's Summit, MO 64081

Expertise.com Rating

Review Sources

Google
4.4 (27)
Facebook
4.5 (15)
Yelp
5.0 (1)

Why choose this provider?

Michael Oehrke - State Farm Insurance Agent is a full-service insurance broker in Lee's Summit that handles homeowners policies. In business since 2002, Mr. Oehrke helps local homeowners and those relocating to Jackson County with obtaining cost-effective policies. Depending on customer needs and budgets, homeowners policies may include coverage for fire damage, weather and natural disaster damage, property loss and theft, and personal liability. Additionally, the company's website features an online portal for customers to file claims and make payments.

  • Multiple Policy Types

1475 Southwest Market Street, Lee's Summit, MO 64081

Expertise.com Rating

Review Sources

Google
4.8 (184)
Yelp
1.0 (1)

Why choose this provider?

Jim Hubbard Insurance is a family-owned independent insurance agency in Lee's Summit that has been providing personalized services for over a decade. Representing over a dozen insurance carriers, it aims to help clients choose the right home insurance with competitive coverage. Standard home insurance coverage policies include dwelling, personal property, liability, medical payments, and loss of use. Jim Hubbard Insurance also offers auto, commercial, life, motorcycle, and boat insurance policies.

  • Multiple Policy Types

701A South Broadway, Oak Grove, MO 64075

Expertise.com Rating

Review Sources

Facebook
5.0 (2)

Why choose this provider?

Middleton Insurance Services is a full-service insurance agency that helps customers in obtaining cost-effective homeowners policies. The business partners with a wide network of insurance carriers to find the best policies to suit specific homeowner needs. Policies vary per customer, and areas of coverage can include water damage due to interior or exterior flooding, fire damage, and damage caused by break-ins and vandalism. Additionally, Middleton Insurance Services provides an online claim portal for customers to report losses and file claims.

  • Personal Property Insurance
  • Multiple Policy Types

519 SW 3rd St ste c, Lee's Summit, MO 64063

Expertise.com Rating

Review Sources

Google
4.1 (14)
Facebook
5.0 (5)

Why choose this provider?

Based in Missouri, Morehead Agency LLC is an insurance firm offering insurance services and products to residents of Lee's Summit. Established in 2005, it has a team of seasoned agents with decades of industry experience. It provides homeowners' insurance policies for homeowners' liability, landlords' insurance, and scheduled property insurance. Its homeowners' liability coverage includes claims for other's property damage, claims for injury, liability defense cost, and medical expenses for injuries to others. It also provides personal umbrella, identity theft, and Powersports vehicle coverage.

  • Multiple Carriers
  • Multiple Policy Types

Lee's Summit, MO

Expertise.com Rating

Review Sources

Facebook
5.0 (22)

Why choose this provider?

Cook Insurance Agency Inc. is a Lee's Summit insurance firm that handles homeowners policies and claims. The business offers an online portal for customers to file claims and make account changes, and it partners with multiple carriers for rate comparisons. Common coverage options for homeowner policies include home protection in the event of fires and wind damage, personal liability for injuries that occur on homeowner property, and additional living expenses when damages deem homes unlivable for extended periods of time.

  • Condos
  • Fire
  • Earthquake

FAQs

  • Introduction

    Homeowners' insurance is a type of property insurance used by private property owners to protect their home and property from a range of risks and liabilities. It is also called home insurance.

    All homeowners' insurance policies cover the primary home on a property, meaning that most damage from weather, accidents, vandalism, and other events will be at least partially paid for by the insurance company. Many policies also include coverage for other structures, personal property, and some premises liability.

    It is not required by law that a homeowner purchases insurance for their property. However, if you have a mortgage, the lender will usually make purchasing a homeowners' policy a mandatory part of the loan process. Since the mortgage lender is essentially selling you the home, they require you to protect the investment.
  • What are the situations in Lee's Summit where having a homeowners insurance plan is useful?

    Having a homeowners insurance plan in Lee's Summit is useful when a home is wrecked in a natural disaster or fire and needs to be repaired. In cases of vandalism, having a policy covers the cost of restoration. Furthermore, an insurance contract proves advantageous when a tort happens on an individual's property, resulting in an unfavorable legal ruling.

  • Why do mortgage lenders in Lee's Summit require that a house be insured by a homeowners' plan?

    Mortgage lenders in Lee's Summit often require that a house be insured by a homeowners' plan because they want to keep the asset safe. The home is the collateral for the loan, and if the borrower defaults, the property will pay for the obligation. Thus, the mortgagor has an insurable interest in keeping the dwelling secure.

  • Why should a consumer in Lee's Summit seek out an independent insurance agent?

    A shopper in Lee's Summit should seek out an independent homeowner's insurance agent, as this affords them greater latitude to find the most suitable products. Independence means that the professional does not have to stay within the products of a particular insurance carrier and can mix and match options from several companies.

  • What added insurance products in Lee's Summit are appropriate additions to a homeowners' policy?

    In Lee's Summit, it is appropriate to augment a homeowners' insurance plan with flood coverage since the city has suffered from sudden heavy rains in the past years. Earthquake coverage is helpful, as are personal umbrella plans to extend the limits on what an insurer must pay for in the event of a tort matter.

  • How expensive is homeowners' insurance in Lee's Summit?

    Homeowners' insurance in Lee's Summit costs around $71 to $97 monthly. This translates to yearly costs of $863 to $1,172. The amounts constitute 5.1% of housing expenses for a mortgaged home and 15.2% for a non-mortgaged home. Bundling with automobile insurance may reduce costs by between $152 and $303 per policy.

  • What determines the price of homeowners insurance premium?

    The premium, or monthly cost, of your homeowners' insurance policy depends on several factors, including the value of your home and amount of coverage you choose. Your credit history and whether the property is in a higher risk area also play a role.

Related Articles

FeaturedState Farm home insurance reviews

State Farm Home Insurance Review 2023

Expertise ranks State Farm as the fifth-best homeowners insurance based on its affordable coverage and customizable policies....

FeaturedHomeowners insurance featured image

7 Best Homeowners Insurance Companies of 2024

Expertise analyzed the top home insurance providers in the country and found that Amica is the best insurer overall.